CAF Bank features and benefits

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "CAF Bank features and benefits"

Transcription

1 CAF Bank features and benefits Thank you for choosing CAF Bank for your everyday banking needs. If you have any questions please do not hesitate to call our Customer Services team on About CAF Bank CAF Bank is the bank dedicated to charities and the not-for-profit sector. CAF Bank aims to provide first class banking services to charities at the lowest cost possible. CAF Bank is a subsidiary of Charities Aid Foundation (CAF) a registered charity whose mission is to motivate society to give, connecting donors with the charities they want to support, large and small across the country. As a result any surplus CAF Bank makes is donated to CAF and therefore stays within the sector. Our aim is to offer a full banking service whilst passing the benefit of our low charges back to our charitable customers. CAF Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reliable yet innovative We were founded in 1986 as the first and only bank to offer our services exclusively to charities and not-for-profit organisations. Today, charities have over 1bn of their funds deposited in over 30,000 CAF Bank accounts. With customer satisfaction consistently higher than 90%, since we started surveying our customers in , we think you ll be pleased with the service you receive. How we add value We have been working with charities for over 25 years, delivering solutions based on the needs of the sector, so we are well placed to help you manage your money. Our aim is to make it simple and straightforward so that you can spend your time on the causes you care about. secure online banking offering dual authorisation business card lets you make secure payments and withdraw cash from a network of ATMs where you see the MasterCard symbol savings accounts with competitive interest rates counter services at HSBC branches in England and Wales and Royal Bank of Scotland branches in Scotland Bacs bureau and sponsorship services dedicated UK-based Customer Service team loans and overdrafts with rates from as little as 2.1% over Bank of England base rate 2 card payment processing CAF Donate CAF s multichannel fundraising platform Charges CAF Bank offers free and simple to use online banking to help you manage your money on a day-to-day basis. For the majority of customers day-to-day banking is free, providing that you deposit no more than 8,500 in cash over the counter or more than 50 cheques per account in a given calendar month. Please see our enclosed Tariff of charges and Terms and conditions for details. 1 Information correct as at Loans subject to accepted application and credit assessment. Based on a rate of 2.1% over Bank of England base rate (currently at 0.5%) and there is an application fee of 1%.

2 CAF Cash current account Simple and straightforward day-to-day banking, designed exclusively for charitable organisations, is what we are good at. The CAF Cash current account provides transactional banking for your everyday requirements with ease of access and low charges. So whether you need to pay bills online, send money overseas, make everyday card purchases or set up regular payments to third parties, this account aims to satisfy your day-to-day banking needs including: free online banking with dual authorisation for added security business card with all the usual convenience of a debit card term loans with rates from as little as 2.1% over Bank of England base rate 2 Bacs bureau services for payments and collection of Direct Debits access to a wide branch network for deposits via HSBC branches in England and Wales, and Royal Bank of Scotland branches in Scotland using a paying in slip access to card payment processing facilities standing-order, cheque and paying-in book facilities Paying money in You can pay in money by online or electronic transfer or by cheque over the counter at any HSBC branch in the UK or RBS branches in Scotland. You can also post cheques directly to HSBC or RBS. Paying money out You can use a variety of methods for paying money out: pay for purchases 24/7 with a CAF Bank MasterCard business card secure transfer through online banking international payments Bacs bureau and sponsorship for payments and collection of Direct Debits CHAPS electronic bank transfer Direct Debit standing order Faster Payments withdraw cash from a national network of cash machines wherever you see the MasterCard symbol cheque Transfers You can transfer sums of up to 250,000 daily on demand as long as your account remains in credit. Larger amounts may require up to seven days notice. Bacs bureau The CAF Bank Bacs bureau service is a simple and fast way to make and collect payments automatically from your CAF Cash Account, securely by dual authorisation, using the payment processing platform. The service is a safe, efficient and cost effective means of automating your everyday payment processing needs. 2

3 Loans Finding a loan tailored to meet the needs and circumstances of your organisation is not always easy. As a trusted provider that understands the requirements of charities we can help you through the process, enabling you to concentrate on your cause. Whether you re looking to undertake a project, refinance an existing agreement, purchase or refurbish a property or need working capital to expand your services, our experienced relationship managers will work with you to develop the right financial solution. We assess each application on its own merit. We are committed to being a responsible lender and all loans are subject to a comprehensive assessment process. Please note that we do not provide loans where 40% or more of the secured assets would be a residential dwelling, or loans other than for business purposes or which would be a regulated consumer credit agreement. Overdrafts If a loan is not suitable for your charity, a business overdraft as part of your CAF Cash Account may better meet your shorterterm needs. Card payment processing We can give you access to payment processing services giving you the option to accept payments from all major credit cards and debit cards direct into your CAF Bank accounts. Working with our third party supplier our competitive rates will help you offer your donors an additional payment or donation method. Please note you will need to be Payment Card Industry (PCI) compliant to take advantage of this service. For further information please refer to the PCI website at Having a card terminal will allow you to take: payments in a charity shop payments for services provided payments for memberships and tickets CAF Gold deposit account Our CAF Gold deposit account provides instant access to your savings whilst offering competitive rates of interest. This allows you to build up your funds without committing to a notice period. The easiest way to access your money is by operating the account alongside a CAF Cash Account and transferring funds between the two. This can be done easily online or by telephone, leaving you time to focus on the cause that s important to you. It is also possible to make transfers to other UK bank accounts held by your organisation. 3

4 CAF Bank Online You can manage your account with our free and simple-to-use online banking service, a safe and secure way to manage your day-to-day transactions over the internet. Dual authorisation Managing your account online gives you the benefit of additional security and fraud prevention measures using dual authorisation. Once a transaction has been initiated to a third party, it requires another online user, authorised by your organisation, to approve it before any money leaves your account. You can: Interest You can view our current interest rates at Traditional service You can, of course, choose to manage your account transactions by telephone, or by sending written instructions signed in accordance with your existing mandate held with CAF Bank. Our UK based in-house Customer Service team is available to help you Monday to Friday 9am to 5pm on (excluding bank holidays). Alternatively you can us at view transaction history and balances for all your accounts pay variable amounts to your staff and suppliers view statements online transfer money between your CAF Cash and Gold accounts transfer money to other UK bank accounts set up additional users with various administration permissions view Direct Debits set up, amend and cancel standing orders change your passwords order cheque or paying-in books. CAF Cash Online QuickPay This is a free online service that lets you pay variable amounts to your staff and suppliers from your CAF Cash Account. Unlike a standing order, QuickPay allows you to transfer irregular amounts. You can control your payments online and they are sent electronically at no cost to your organisation. 4

5 Other CAF services Savings We can give you access to savings accounts with variable notice periods from 90 days to 1 year helping you to meet your current needs and improve your future sustainability. Flexible investments tailored to charities CAF can give you access to a range of charity investment products for long-term reward potential. Advisory and consultancy services Helping you develop strong governance and management and maximise your fundraising capabilities. Our team of senior advisors can work alongside you to address specific issues, combining their specialist advice and hands-on practical guidance to create solutions that will enable your organisation to move forward with confidence. CAF Donate CAF Donate is our innovative, multi-channel fundraising service that allows you to fully manage the entire donation experience online, over the phone or by post. For more information please visit What you need to know Here are some questions most frequently asked by new and existing customers. If we haven t answered your question, please or call How safe is our money? CAF Bank invests deposits with the Bank of England and in AAA rated bonds, and with a range of other carefully selected highly rated financial and non-financial organisations. CAF Bank does not invest in derivatives or structured products. Do we receive any statutory protection? CAF Bank Limited is a member of the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act Full details of the Scheme and its restrictions can be obtained on request by contacting the FSCS on or , visiting or writing to FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU. Please note that only compensation related queries should be directed to the FSCS. How is interest paid? Where your account attracts interest, interest accrues to your account daily and is credited gross at the end of each quarter. 5

6 How often do we receive a statement? You can apply for online statements where you can view, print and save a PDF copy of your statement. You can also select how often you would like to receive a printed statement from us. By selecting to receive less frequent statements, you can help us reduce paper usage and keep our charges low. You can keep track of your day-to-day transactions through our online banking service. We are a new charity how do we open an account without a Charity Commission number? New charities who have applied for charitable status need to provide a bank account number (opened in their name) to the Charity Commission (CC) or the Office of the Scottish Charity Regulator (OSCR). We can issue your charity an account number pending your registration and activate the account once your charitable status has been confirmed. We are an unregistered charity can we open an account with CAF Bank? Yes if you are a charity which is not registered with the CC or the OSCR, including charities which are exempt or excepted from registration, we can open an account for you. You will find clear guidance notes in the application form to help gather the necessary identity and verification documents. Should I choose HSBC or RBS counter service? This depends where you intend paying-in your cash and cheques. If you intend on banking in Scotland your banking can be done through RBS, for the whole of the UK this can be done at HSBC branches. If you require both please contact our Customer Service team on How do we arrange for existing standing orders and Direct Debits to operate on our new CAF Cash Account? Simply complete the enclosed form so that we can contact your existing bank for full details of your standing orders and Direct Debits. Once they have responded to us we will contact you to confirm which payments to transfer and put everything into place for you. We recommend that you maintain sufficient funds in your old account until your new CAF Cash Account is fully operational and your funds have been successfully transferred across to your new CAF Cash Account. We this process to take four weeks. For donations and standing orders into your account, you need to tell your payees that your banking arrangements have changed. 6

7 What if I have a complaint? At CAF Bank we value your custom highly and trust you will be entirely satisfied with our service. If however, you do have a comment or complaint about us we would like to hear from you. We will do our utmost to resolve your concerns fully and promptly. If you have a complaint please call our Customer Service team on between 9am and 5pm Monday to Friday (excluding bank holidays). The team is fully trained in matters of this nature and all calls are recorded. Alternatively you can write to us at CAF Bank Ltd, 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ or us at If we cannot solve your problem immediately we will write to ensure that we have fully understood your complaint and to advise you who will be investigating it further. We hope to deal with most complaints within four weeks. Where we are unable to do so, we will write to you at the end of four weeks and advise you when we hope to be able to contact you further. If you are dissatisfied with our final response, or if after eight weeks we have been unable to issue our final response, you may have the right to take your complaint to the Financial Ombudsman Service. 7

8 We re here to help A dedicated team is here to answer questions relating to your bank application T: E: W: Lines are open 9am to 5pm, Monday to Friday (excluding bank holidays). 1624A/0215 Issued by CAF Bank Limited, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered under number CBL is a subsidiary of Charities Aid Foundation (registered charity number ). Telephone calls may be monitored or recorded for security/training purposes and by calling you give your consent to this. Lines are open Monday to Friday 9am - 5pm (excluding bank holidays).

CAF Bank features and benefits

CAF Bank features and benefits CAF Bank features and benefits Thank you for choosing CAF Bank for your everyday banking needs. If you have any questions please do not hesitate to call our Customer Services team on 03000 123 456. About

More information

Basic Bank Account. Everyday banking made easy

Basic Bank Account. Everyday banking made easy Basic Bank Account Everyday banking made easy Basic Bank Account Basic Bank Account is an account which is simple to understand and easy to manage. It gives you basic banking facilities to keep you in

More information

Give me the facts Effective 10 November 2014

Give me the facts Effective 10 November 2014 Give me the facts Effective 10 November 2014 Contents Page Welcome 3 Discover the difference 3 Ways to bank 3 Making payments 5 Payments by cheque 8 Overdrafts 9 Switching Process 11 Additional information

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs Service Charge 3-4 Additional services 5-6 How to reduce your transaction charges 7 Internet Banking 8

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs frequently used services 3 How to reduce your transaction charges 5 Charges for one off account services

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained September 2013 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

General Conditions for Bank of Cyprus UK CharityBonds (April 2013)

General Conditions for Bank of Cyprus UK CharityBonds (April 2013) General Conditions for Bank of Cyprus UK CharityBonds (April 2013) Bank of Cyprus UK Limited ( we/our/us ), trading as Bank of Cyprus UK, incorporated in England and Wales as company number 04728421, a

More information

Managing your monthly charges

Managing your monthly charges MONTHLY PRICEPLAN Managing your monthly charges To put your business in greater control we d like to fully explain your business banking fees With our Monthly PricePlan you can choose a PricePlan that

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Services you don t pay for 2 Business Tariffs Service Charge 3-4 Additional services 5-6 How to reduce your transaction charges 7 Internet Banking 8

More information

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING

m&s monthly SavEr Banking Made Easy NEW FASHIONED BANKING m&s PrEmium current account, m&s PrEmium current account with insurance and m&s monthly SavEr Banking Made Easy EffEctivE from 17 february 2015 NEW FASHIONED BANKING 2 Contents Page banking made easy 4

More information

Your account charges explained.

Your account charges explained. Your account charges explained. To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The charges and tariffs

More information

Over 50s Life Insurance with the Lifetime Payback Guarantee

Over 50s Life Insurance with the Lifetime Payback Guarantee Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions Welcome to British Seniors We all want the best for our loved ones. Now that you have chosen British

More information

CAF MANAGED PORTFOLIO SERVICE. Profile selector for charities and not-for-profit organisations

CAF MANAGED PORTFOLIO SERVICE. Profile selector for charities and not-for-profit organisations CAF MANAGED PORTFOLIO SERVICE Profile selector for charities and not-for-profit organisations CAF MANAGED PORTFOLIO SERVICE Profile selector The CAF Managed Portfolio Service is developed and operated

More information

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

The Charity Bank Savings Account

The Charity Bank Savings Account The Charity Bank Savings Account Application form for individuals Please complete in block capitals and return this form to: Charity Bank, Fosse House, 182 High Street, Tonbridge, Kent TN9 1BE FOR OFFICE

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

Welcome to Paragon Bank

Welcome to Paragon Bank Welcome to Paragon Bank A few things to get you started... Welcome to Paragon Bank At Paragon Bank, we believe in great service and consistent value for our customers. That s why we offer a range of savings

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information

The Charity Bank Savings Account

The Charity Bank Savings Account The Charity Bank Savings Account Application form for corporates Please complete in block capitals and return this form to: Charity Bank, Fosse House, 182 High Street, Tonbridge, Kent TN9 1BE FoR office

More information

Over 50s Life Insurance with the Lifetime Payback Guarantee

Over 50s Life Insurance with the Lifetime Payback Guarantee Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions 2 Welcome to Smart Insurance We all want the best for our loved ones. Now that you have chosen Smart

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business s 4 Start-ups 4 Community Current Account 4 Business Current Account Standard 5-6 Business Plus Account 5-6 Foundation

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business Tariffs 4 Start-ups 4 Treasurers Account Tariff 4 Business Current Account Standard Tariff 5-6 Business Plus Account

More information

NEED TO KNOW. Your account is up and running

NEED TO KNOW. Your account is up and running NEED TO KNOW Your account is up and running Here are some of the key features of your new account. If you have any questions, just call us. Our UK based customer service advisers can help with day-to-day

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

CAF 1 YEAR FIXED TERM DEPOSIT ACCOUNT

CAF 1 YEAR FIXED TERM DEPOSIT ACCOUNT CAF 1 YEAR FIXED TERM DEPOSIT ACCOUNT Application form working in association with CAF 1 Year Fixed Term Deposit Account Application form Scottish Widows Bank is the provider of the CAF 1 Year Fixed Term

More information

Banking for charities

Banking for charities Banking for charities Information for people who manage the financial affairs of a charity or voluntary organisation INSPIRING FINANCIAL LEADERSHIP Welcome This leaflet is for people who manage the financial

More information

BANKING CHARGES. March 2015

BANKING CHARGES. March 2015 BANKING CHARGES March 2015 Contents Your guide to our charges 1 Current account fees 2 Overdrafts 5 Our Control Option 9 Examples Unplanned Overdraft Fees 11 Debit card and Cashpoint card charges 13 Other

More information

How often do you see that?

How often do you see that? 5 % AER* variable Interest and Instant Access How often do you see that? The Access Plus Deposit Account *4.92% gross variable Access Plus not your everyday deposit account It pays you 5%* AER (4.92% Gross)

More information

Graduate Bank Account

Graduate Bank Account Graduate Bank Account 2 Congratulations. All that studying is behind you and you re on the verge of an exciting new chapter. Yet in the middle of all this change, one thing you don t want to worry about

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Business Banking made easy. Saving you time and money

Business Banking made easy. Saving you time and money Business Banking made easy Saving you time and money 1 2 Business Banking made easy We want to make your business banking as straightforward as we can. This brochure tells you how our accounts and services

More information

CAF CHARITABLE TRUST. Guide to your CAF Charitable Trust. Registered charity number 268369

CAF CHARITABLE TRUST. Guide to your CAF Charitable Trust. Registered charity number 268369 CAF CHARITABLE TRUST Guide to your CAF Charitable Trust Registered charity number 268369 Contents This guide, along with the Terms and conditions, contains all the information you will need to open and

More information

New Current Account Frequently Asked Questions

New Current Account Frequently Asked Questions Q1 What changes are happening? Following a review of our current accounts, we have introduced a new and simplified account structure. As part of the new account range, a new Service Tariff has been introduced.

More information

Important information about your savings account

Important information about your savings account Important information about your savings account Important information about your savings account 1 Thank you for opening a Kent Reliance savings account. This leaflet contains information to help you

More information

Key features of Zurich Accidental Death Cover

Key features of Zurich Accidental Death Cover Key features of Zurich Accidental Death Cover Contents Helping you decide This important document gives you a summary of Zurich Accidental Death Cover. Please read this and keep it for future reference.

More information

Banking terms and conditions

Banking terms and conditions M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER Banking terms and conditions EFFECTIVE FROM 17 FEBRUARY 2015 NEW FASHIONED BANKING Contents Page Page Section

More information

Key features of the Investment Bond

Key features of the Investment Bond Key features of the Investment Bond Helping you decide This important document gives you a summary of the Sterling Investment Bond. Please read this with your illustration before you decide to invest,

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

Important information. Key Features of the Prudential Savings Account Top Up Investment

Important information. Key Features of the Prudential Savings Account Top Up Investment Important information Key Features of the Prudential Savings Account Top Up Investment > Contents About this booklet 4 About the Prudential Savings Account 4 Its aim 5 Your Commitment 5 Risks 5 Questions

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Instant Life Insurance

Instant Life Insurance AIG Life Instant Life Insurance Key Facts AIG Instant Life Insurance the Key Facts This document gives you the key information you need to help you decide whether AIG Instant Life Insurance is right for

More information

Business Banking. The Entrepreneur s Bank. metrobankonline.co.uk 0345 08 08 500

Business Banking. The Entrepreneur s Bank. metrobankonline.co.uk 0345 08 08 500 Business Banking The Entrepreneur s Bank metrobankonline.co.uk 0345 08 08 500 time for a new bank Our team is trained & ready to talk business In store 7 days, early & late 24/7 local telephone team Online

More information

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges PRIVATE BANKING PREMIER ACCOUNTS Guide to charges This is your guide to the main fees and charges for services on your Private Banking Premier account and debit card Rates that apply to your Private Banking

More information

Current Account Application Form

Current Account Application Form It is important that you complete this application form in full to enable us to offer you Banking Services. Please ensure that all applicants sign this application. Please use black ink and BLOCK CAPITALS,

More information

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT

M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT M&S CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT, M&S PREMIUM CURRENT ACCOUNT WITH INSURANCE AND M&S MONTHLY SAVER ACCOUNT Banking made easy EFFECTIVE FROM 6 APRIL 2016 NEW FASHIONED BANKING Welcome Accessing

More information

Business Banking Services

Business Banking Services Business Banking Services 0345 08 08 500 OPEN 7 DAYS EARLY & LATE OPEN 361 DAYS A YEAR AMAZING EVERY DAY BANKING FOR START UPS AND SMALL BUSINESSES SATISFACTION GUARANTEED NO STUPID BANK RULES Banking

More information

For business. For family. For life. About your Current Account Switch Service

For business. For family. For life. About your Current Account Switch Service For business. For family. For life. About your Current Account Switch Service About your Current Account Switch Service The Current Account Switch Service makes switching current accounts from a UK bank

More information

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) IMPORTANT DOCUMENT PLEASE READ THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) NON-ADVISED 02 The With Profits Individual Savings Account (ISA) KEY FEATURES OF THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT

More information

Fees. A guide to personal account fees

Fees. A guide to personal account fees Fees A guide to personal account fees We re committed to helping you get the most out of your account which includes making you aware of the charges and rates of interest that apply to your account. It

More information

AIG Life. Over 50s Life Plan. Key Facts

AIG Life. Over 50s Life Plan. Key Facts AIG Life Over 50s Life Plan Key Facts Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions.

More information

E-ISA. Power of Attorney application form. Personal details. Donor. 1st Attorney Title: Mr, Mrs, Ms, Miss Other (please specify) Surname.

E-ISA. Power of Attorney application form. Personal details. Donor. 1st Attorney Title: Mr, Mrs, Ms, Miss Other (please specify) Surname. E-ISA Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power of Attorney

More information

Cash ISA. Key features of our

Cash ISA. Key features of our Key features of our The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information to help you decide whether

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.P. Morgan ISA and J.P. Morgan Investment Account Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES

More information

Important Information. Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA)

Important Information. Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA) Important Information Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA) The Financial Conduct Authority is a financial services regulator. It requires us,

More information

Other. Other (e.g. 1 month) 12 month

Other. Other (e.g. 1 month) 12 month Deposit account application form Trusts Please complete this form in BLOCK CAPITALS and then return to Close Brothers Limited, 10 Crown Place, London EC2A 4FT. All fields are mandatory, unless otherwise

More information

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney Online Accounts Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power

More information

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK

JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK JOINING US TOGETHER MOVING YOUR CURRENT ACCOUNT TO LLOYDS BANK Downtime. It s a precious commodity. So when you re rushing from A to B it s good to know switching your bank account to Lloyds Bank is quick

More information

Welcome Pack. Fixed Rate Business Bond

Welcome Pack. Fixed Rate Business Bond Welcome Pack Fixed Rate Business Bond Creating better futures Cambridge & Counties Bank is a unique partnership between two established and respected institutions Trinity Hall, Cambridge and Cambridgeshire

More information

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account.

For Cashback Plus Credit Cards - the Terms and General Conditions which apply to your Cashback Plus Credit Card account. Cashback Plus Terms 1. Introduction Cashback Plus is operated on behalf of us, National Westminster Bank Plc by Sports Loyalty Card Limited (trading as Reward), a private company incorporated in England

More information

Key Features. of the Suffolk Life SIPP (Deed Poll Scheme)

Key Features. of the Suffolk Life SIPP (Deed Poll Scheme) Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable

More information

Getting started. Introducing your account

Getting started. Introducing your account Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,

More information

Instant Access Savings Account. Terms and Conditions

Instant Access Savings Account. Terms and Conditions Instant Access Savings Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account

More information

Welcome Pack. Fixed Rate Business Bond

Welcome Pack. Fixed Rate Business Bond Welcome Pack Fixed Rate Business Bond Creating better futures Cambridge & Counties Bank is a unique partnership between two established and respected institutions Trinity Hall, Cambridge and Cambridgeshire

More information

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch Phoneline Banking Mobile Banking Cash machines Branches Online Banking Ways to Bank Secure and convenient banking options to fit your lifestyle www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

More information

Business Banking. Terms Business Customers. Ahead for business

Business Banking. Terms Business Customers. Ahead for business Business Banking Terms Business Customers Ahead for business Contents Page Use of your information and regulatory details 3 Account Terms 5 Section A General terms which apply to all Accounts 6 Section

More information

Business Banking Reference Guide. The Works: Getting the most from your Business Account

Business Banking Reference Guide. The Works: Getting the most from your Business Account Business Banking Reference Guide The Works: Getting the most from your Business Account Business Banking Reference Guide Contents Your transaction tools and records 03 Types of transactions 09 Visa debit

More information

cahoot CHAPS and International Payments terms and conditions

cahoot CHAPS and International Payments terms and conditions cahoot CHAPS and International Payments terms and conditions These terms and conditions (the Conditions ) set out your rights and obligations when you request us to make any of the following payments in

More information

Savings Accounts for Business

Savings Accounts for Business Savings Accounts for Business Branch Saver Notice Saver Direct Access Savings Savings Accounts for Business Branch Saver Notice Saver Direct Access In this Product Features leaflet we have set out the

More information

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

1,000,000. Triodos Bank. These are our Terms and Conditions for businesses and charities.

1,000,000. Triodos Bank. These are our Terms and Conditions for businesses and charities. Triodos Bank. These are our Terms and Conditions for businesses and charities. 1,000,000 homes supplied by clean, green electricity produced by energy projects financed by Triodos Bank* Table of Contents

More information

Key features of the smart + Trading Account from AXA Self Investor

Key features of the smart + Trading Account from AXA Self Investor Key features of the smart + Trading Account from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

Key Features of the Prudential Personal Pension Scheme

Key Features of the Prudential Personal Pension Scheme Key Features of the Prudential Personal Pension Scheme Important information you need to read The Financial Conduct Authority is the independent financial services regulator. It requires us, Prudential,

More information

Important information. Key Features of the Guaranteed Pension Annuity

Important information. Key Features of the Guaranteed Pension Annuity Important information Key Features of the Guaranteed Pension Annuity Important information The Financial Conduct Authority is a financial services regulator. Prudential is required to give you the important

More information

Account Opening Application Form. Current/Deposit

Account Opening Application Form. Current/Deposit Account Opening Application Form Account Opening Application Form Current/Deposit Guidance te Please read this guidance note before completing the form so we can process your application as quickly as

More information

smile cash ISA Key features of our

smile cash ISA Key features of our Key features of our smile cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, smile, to give you this important information to help you decide whether

More information

CONDITIONS Over 50s Life Cover

CONDITIONS Over 50s Life Cover TERMS AND CONDITIONS Over 50s Life Cover 1 TERMS AND CONDITIONS: OVER 50S LIFE COVER PROVIDED BY THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED ( ROYAL LONDON ) This booklet contains the Terms and Conditions

More information

Personal current account charges explained

Personal current account charges explained Personal current account s explained Easy, reliable and flexible doh000546 - PCA s explained.indd 1 18/09/2012 09:43 Personal current account s explained Our personal current account is a safe and accessible

More information

Your Virgin Essential Current Account

Your Virgin Essential Current Account Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give

More information

Key features of the smart + stocks & shares ISA from AXA Self Investor

Key features of the smart + stocks & shares ISA from AXA Self Investor Key features of the smart + stocks & shares ISA from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

Banking made easy. Effective from 10 November 2014

Banking made easy. Effective from 10 November 2014 Banking made easy Effective from 10 November 2014 2 Welcome This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both

More information

TEXT ALERTS. Keeping track of your money 24/7

TEXT ALERTS. Keeping track of your money 24/7 TEXT ALERTS Keeping track of your money 24/7 Contents Types of text alerts 1 Managing your text alerts 3 Mobile Banking 5 Terms and conditions 6 I like to keep on top of my finances Our variety of alerts

More information

smile current account Terms and Conditions

smile current account Terms and Conditions smile current account Terms and Conditions Terms and Conditions of the smile current account, overdraft and debit card (incorporating smilemore and smile student) With effect from 5 July 2015 Terms and

More information

THE CREDIT UNION PREPAID CARD CARDHOLDER FREQUENTLY ASKED QUESTIONS

THE CREDIT UNION PREPAID CARD CARDHOLDER FREQUENTLY ASKED QUESTIONS CARDHOLDER FREQUENTLY ASKED QUESTIONS Date June 2012 Version 1.2 Contents 1 OVERVIEW... 3 1.1 What is the Credit Union Prepaid Card?... 3 1.2 How does it work?... 3 1.3 Can anyone have a Credit Union Prepaid

More information

Internet Saver Account. Terms and Conditions

Internet Saver Account. Terms and Conditions Internet Saver Account Terms and Conditions Your agreement with us is made up of the following: 1. This document it explains how your Account operates. 2. The Welcome letter it outlines the account number

More information

Zurich Stocks and Shares ISA. Terms and conditions

Zurich Stocks and Shares ISA. Terms and conditions Zurich Stocks and Shares ISA Terms and conditions Contents Introduction 3 The Terms and conditions 3 Roles and responsibilities 3 Risks 3 Terms and conditions 4 21) Your contract with us 4 22) Roles and

More information

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA This is an important document. You need to read this before you open a Stockmarket Linked Savings Account

More information

NOT-FOR-PROFIT ORGANISATIONS. A guide to your new account

NOT-FOR-PROFIT ORGANISATIONS. A guide to your new account NOT-FOR-PROFIT ORGANISATIONS A guide to your new account Your organisation is different. It s not run for profit, it s run because you re passionate about what you do. So you want a bank that s committed

More information

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges This is your guide to the main fees and charges that will apply to all Private Banking Premier accounts including Club Lloyds

More information

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions

General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions General Terms and Conditions Current Accounts Terms and Conditions Savings Accounts Terms and Conditions Effective from 10 November 2014 2 Contents Section/Clause Page Contact Information 3 Section 1 Payment

More information

Interest is paid tax-free^

Interest is paid tax-free^ Account Name Interest rates (AER*) Summary Box Key Product Information for our Savings Account(s) smile Cash ISA 0.50% tax-free^/aer* variable if you are a smile current account customer. 0.31% tax-free^/aer*

More information

Purchased Life Annuity Key Features

Purchased Life Annuity Key Features Purchased Life Annuity Purchased Life Annuity Key Features This document shows the main points about your annuity. Please read it with your Personal Example and keep them with your documents relating to

More information

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the

More information

No Notice and Notice Deposit Accounts. Capital Millennium Bond. Short Term Fixed Rate Deposit Account. Cash ISA. Junior Cash ISA

No Notice and Notice Deposit Accounts. Capital Millennium Bond. Short Term Fixed Rate Deposit Account. Cash ISA. Junior Cash ISA Terms and Conditions No Notice and Notice Deposit Accounts Capital Millennium Bond Short Term Fixed Rate Deposit Account Cash ISA Junior Cash ISA Contents General Terms & Conditions 3 Account Terms & Conditions

More information

CURRENT ACCOUNT SWITCH

CURRENT ACCOUNT SWITCH CURRENT ACCOUNT SWITCH NO LONG WAIT. NO FUSS. NO HASSLE. OUR SWITCH SERVICE MAKES MOVING YOUR ACCOUNT TO US SIMPLE. Now we can switch your account to the Halifax in just seven working days. Switch in just

More information

Instant Access Savings Accounts. Product information. alrayanbank.co.uk

Instant Access Savings Accounts. Product information. alrayanbank.co.uk Instant Access Savings Accounts Product information Flexible, instant access to your savings Al Rayan Bank s (formerly Islamic Bank of Britain, IBB) Sharia compliant instant access savings accounts let

More information

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY

SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY SCHOOL ACCOUNT SPECIALIST BANKING FOR YOUR SCHOOL OR ACADEMY Contents Why choose Lloyds Bank for your school? Choosing Lloyds Bank 1 Our switching service 2 Ways to bank 4 Education relationship managers

More information

Your Guide to Investing with Cofunds

Your Guide to Investing with Cofunds Your Guide to Investing with Cofunds Version MSM0415 Issued and approved by Cofunds Limited, One Coleman Street, London, EC2R 5AA. Registered in England and Wales No.3965289. Authorised and regulated by

More information

AIG Life. Relevant Life Insurance. Key Facts

AIG Life. Relevant Life Insurance. Key Facts AIG Life Relevant Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Relevant Life Insurance A1 What is Relevant Life Insurance is 4 A2 How Relevant Life Insurance works 4 A3 Your

More information